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Q:How do I know how much to insure my property?

For buildings cover, our basis of settlement shall be the cost of reinstatement of the building destroyed or damaged. Sum insured should be at all times be maintained at no less than the full cost of replacement without depreciation for wear and tear.

Q: If I have a HDB policy, do I need to buy separate home insurance coverage?

Your HDB fire policy covers for the building structure only. You may consider taking up cover for your renovation, fittings and its contents, if you require more comprehensive coverage.

Q: I am a tenant. What coverage can I take up?

As a tenant, you can take up insurance for your own belongings in the house.

Q:What are the consequences of under-insurance?

At the time of the loss, if the sum insured is lower than 85% for Building and/or Renovation / Improvements and the sum insured is less than 100% for Contents and/or Valuables, the amount payable for such claim shall be proportionately reduced.

Q:I have purchased some new items, how do I arrange for them to be covered?

Contact us and we will arrange for cover with payment of additional premium.

Q:Are my laptop and personal computers covered?

Yes, they can be covered under your contents.

Q:How do I decide on the sum insured for building and contents?

For Building, the sum insured should represent the cost of rebuilding. You can engage professional advice from a qualified surveyor. For Contents, the sum insured should represent the cost of replacing the same item when new.

Q:What is this Free Look Benefit? Will I be entitled to premium refund if I need to cancel the policy?

Enjoy 14 days ‘Free Look’** from the day you receive your insurance policy. If the policy is not suitable for you, you can arrange to cancel your policy within this period and receive full refund on the payment made, no questions asked! Beyond the ‘Free Look’ period, we will refund you the balance premium after deducting our customary short-term premium or minimum premium provided no claim has been made under the policy.

**This is not applicable to renewals

TOP Features Basic Benefits	Solution A Homeowners & Landlords			Solution B Tenants Only	Solution C Landlord Only
TOP Features Basic Benefits	COSY	SERENE	LUXURY
Building, Renovations, fixture & fittings	$80,000.00	$120,000.00	$200,000.00	N.A	Flexible your choice
Contents	$20,000.00	$40,000.00	$60,000.00	Flexible your choice	N.A
Worldwide Family Personal Liability	$750,000.00			$750,000.00	$750,000.00
Personal Accident within the Insured Dwelling (for adult)	$20,000 each			$20,000 each	$20,000 each
24hrs Emergency Home Assistance Service	Up to $100 reimbursement per event			Up to $100 reimbursement per event	Up to $100 reimbursement per event
Pet Dog Cover	$500.00			$500.00	$500.00
For FREE extension benefits, you may review brochure for more details.

Allied World Protector 360
TOP Features		Limits
Section 1: Building	Plan 1	Plan 2	Plan 3
Building	Up to $100,000	Up to $150,000	Up to $300,000
Loss of Rent / Reasonable Alternative Accommodation	Up to $10,000	Up to $15,000	Up to $30,000
Removal of Debris	Up to $10,000	Up to $15,000	Up to $30,000
Architects’ or Surveyors’ Fees	Up to $10,000	Up to $15,000	Up to $30,000
Section 2 – Home Contents
Contents	Up to $30,000	Up to $45,000	Up to $90,000
Domestic Employee’s Property	Covered	Covered	Covered
Personal Effects/Valuables (S$3,500 per item)	Up to $15,000	Up to $25,000	Up to $45,000
Personal Portable Electronic Devices	Up to $200	Up to $300	Up to $600

AW Home Protector Basic
TOP Features	Limits
Section 1 – Building or Renovation
a) Building b) Renovations	as stated in the Schedule
Loss or Rent / Reasonable Alternative Accommodation	10% of SI max $10,000
Architects’ or Surveyors’ Fees	10% of SI max $10,000
Removal of Debris	5% of SI max $5,000
Emergency Entry due to Emergency	Up to $750
Cash Relief if home is rendered uninhabitable > 5days	Up to $750
Accidental Breakage of Fixed Glass	Up to $500
Section 2 – Home Contents
Contents (Valuables not exceeding 1/3 of Contents SI; Valuables $2,500 per article/pair/set)	as stated in the Schedule
Domestic Employee’s Property	Covered
Replacement of Personal Documents	Up to $300
Replacement of Keys, Locks and Security System	Up to $750
Theft of Money from break-in	Up to $500
Contents stored at Professional storage service provider.	Up to $3,000

Home - Ensure

Home - Ensure

Home - Ensure

Home - Ensure

Home - Ensure

Home - Ensure

Home - Ensure

PRODUCT

24-Hour Home Emergency Assistance Service with reimbursement for selected service

Worldwide Family Personal liability extends to cover Property Owner’s Liability

Reimbursement for Home Cleaning Expenses following an Infectious Disease Outbreak at home

Tenants Liability covered

we cover just what you need. no more, no less

Sompo HomeBliss

Allied World Home Protector 360

Allied World Home Basic

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